When Auto-Pay takes your payment

Knowing when Auto-Pay withdraws money helps you keep enough in your account—and tells you how long you have to make a change.

The Auto-Pay timeline

Your payment moves through two stages before the due date:

• Three days before: The payment is scheduled, and your Upcoming Auto-pay notification is sent.

• One day before: The payment begins processing.

For example, if your installment date is the 15th of the month, the payment is scheduled on the 12th and begins processing on the 14th.

Tip: Treat the notification as your deadline. Once it arrives, your options are limited.

What you can still change

Once a payment is scheduled, most changes no longer affect it. Two things still work: you can pause Auto-Pay at any point, and you can correct the details of the payment method you are already using.

Action	Before Payment is Scheduled	After Payment is Scheduled
Pause auto-pay	Yes	Yes
Update payment method (e.g., switch from direct debit to credit card)	Yes	No
Update payment details (e.g., update bank or card info)	Yes	Yes
Make a manual payment to affect auto-pay amount	Yes	No
Sign up for auto-pay	Yes	No

Note: The two payment method rows mean different things. Update payment method is switching to a different card or account, which a scheduled payment will not pick up. Update payment details is correcting the information on the method you are already using, such as a reissued card number, and that does apply to a scheduled payment.

To pause, update your payment method, or re-enroll, see Manage automatic payments.